Bank of Baroda Varunah Credit Card

  • Joining Fee: Nil (for Varunah Card), Rs. 1,499 (for Varunah Plus Card) Rs. 2,499 (for Varunah Premium Card)
  • Renewal Fee: Nil (for Varunah Card), Rs. 1,499 (for Varunah Plus Card) Rs. 2,499 (for Varunah Premium Card)
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Complimentary Amazon Prime & Zomato Pro membership for one year and Fitpass Pro membership for 6 months (with Varunah Plus and Varunah Premium Credit Card), and 1,000 bonus Reward Points with the Varunah Premium Card.
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The Bank of Baroda offers the BoB Varunah Credit Card exclusively to the Indian navy personnel. The card comes in three variants ranging from basic to premium. These variants are BoB Varunah Premium, BoB Varunah Plus, and BoB Varunah Credit Card. The Premium variant has the highest annual fee and the normal BoB Varunah Card has the lowest. The cardholders get a lot of privileges across different categories with all three variants. However, the Varunah Premium Card offers the maximum benefits as it is the premium-most card out of all three. From exciting welcome benefits to great reward rates to airport lounge access, one can get everything with the BoB Varunah Credit Card. Apart from this, it also offers insurance covers worth up to Rs. 1 Crore. To know more about the BoB Varunah Credit Card, its features, and fees & charges in detail, continue reading:

New Features

Spend Based Waiver

The annual fee is waived on spending Rs. 1.5 lakhs or more in the previous year

Interest Rates

3.25% per month

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 5,000.

Foreign Currency Markup

2% with Premium variant, 2.5% with plus variant and 3.5% with the basic Varunah Card

Cash Advance Charges

2.5% of the withdrawn amount subject to a minimum of Rs. 300

Movie & Dining

Exciting dining benefits with the Zomato Pro membership


Complimenatry domestic lounge access every year with the Premium and Plus variant

International Lounge Access


Rewards Rate

Up to 15x Reward Points with the Varunah Premium Card, Up to 10x Reward Points with the Varunah Plus Card, and up to 5x Rewards with the Varunah Card.



Insurance Benefits

Air Accident cover worth Rs. 1 Crore with the premium variant.

Reward Redemption

The earned Reward points can be redeemed against a variety of options at a redemption rate of 1 Reward Point = Re. 0.25.

Domestic Lounge Access

Unlimited complimentary domestic lounge access (with the Premium variant), 3 complimentary domestic lounge access every quarter (with the plus variant)

Zero Liability Protection



No data available


No data available

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